Benefits of Ptptn Student Loans

There’s nothing quite like a winsome smile for perking you up, as well as those around you. Smiling, laughing, and positive thinking have been shown to have a huge number of health benefits to both mind and body. You may think that people smile because they are happy, but scientific research suggests otherwise. 'Simply using the same muscles as smiling will put you in a happier mood,' 'That’s because use of those muscles is part of how the brain evaluates mood.'

Advantages of smile
Smiling Changes Our Mood

Next time you are feeling down, try putting on a smile. There's a good chance you mood will change for the better. Smiling can trick the body into helping you change your mood. Smiling Is Contagious

When someone is smiling they lighten up the room, change the moods of others, and make things happier. A smiling person brings happiness with them. Smile lots and you will draw people to you. Smiling Relieves Stress

Stress can really show up in our faces. Smiling helps to prevent us from looking tired, worn down, and overwhelmed. When you are stressed, take time to put on a smile. The stress should be reduced and you'll be better able to take action. Smiling Lowers Your Blood Pressure

When you smile, there is a measurable reduction in your blood pressure. Give it a try if you have a blood pressure monitor at home. Sit for a few minutes, take a reading. Then smile for a minute and take another reading while still smiling. Smiling Helps You Stay Positive

Try this test: Smile. Now try to think of something negative without losing the smile. It's hard. When we smile our body is sending the rest of us a message that "Life is Good!" Stay away from depression, stress and worry by smiling

A smile can lather your face and make you look youngerThe muscles used to smile come to make you look younger. If you want something different, then give a smile all day, and then you'll look younger and feel better, for the record another smile benefit that smile can...

You May Also Find These Documents Helpful

...tomorrow.
The suggestion is that the National Higher Education Fund Corporation (PTPTN), which provides loans to students pursuing their higher education, should be replaced by a fully subsidised system in which (most/all) students receive fully government-funded tertiary education.
PTPTN abolitionists charge that it is administratively inefficient and unfair to leave graduates with a mountain of debt, costly to the taxpayer because of low repayment rates (and subsequent costs of having to forcibly recover dues), and un-Islamic due to the charging of interest.
Though I was not a beneficiary of PTPTN, I routinely meet young people who are, through the education sub-committee of Yayasan Munarah, the royal foundation funded solely by private and corporate donations.
Since the start of our education fund last year, we have screened over a thousand applications for financial aid and I have personally interviewed hundreds of them at our office in Seremban.
Of the nearly RM500,000 disbursed so far, most cases involve the “topping up” of the amount students had already received from PTPTN, Mara and private sources.
In these 15-minute interviews, no student has ever complained about PTPTN; rather, the hardworking students often show gratitude to the fund, providing a contrast to the attitude of the Dataran...

...Disadvantages.
The fact is the figure as given do not reflect the true figure of the people who are entitled to receive the BR1M RM500 due to the reason that many did not have the chance to apply, to get the forms, and being approved even though had applied for it. The worst case is that many people in the remote area never know about this and some people did not apply even though they are qualified.
Further more the time given was insufficient for them to submit their forms. The approval procedure by the government was until now not really transparent, because some people who are rich and yet been given the BR1M. This makes the people very angry.
KK MP Hiew King Cheu said Sabah definitely should be given more of the BR1M because we have a much larger population and the poorest state in Malaysia. It is of no reason why we are getting a much lower distribution of the BR1M when compared to our nearby state of Sarawak. It is clearly indicated in the figures provided in Parliament recently.
It is factual and evident that the BN is using the people’s money to “buy” the people vote without being charged on abused of power, doing corrupt practices, and it is undisputable. How heavy is the implication on the National Financial Burden of the government in distributing a total sum of RM2,088,211,000 to 4,176,422 people in Malaysia.
The point is whether we can afford this when the country is having national debts up to RM485 Billion or more. No one would against the...

...StudentLoan Programs
The beginning of a college education is an eventful and exciting chapter for America’s youth. Beginning college is also when responsibilities begin to kick in as well. Students must plan ahead how they intend to finance their education during their time at college and after completing their academic careers. Almost seventy percent of college students nationwide take out loans to help finance their education. Like any other loan, studentloans must be paid off in a timely manner to avoid hurting personal credit for future investments. The government has various studentloan programs to assist students with not only paying for college, but also with paying off these loans after college.
The most common type of studentloan is a Stafford loan. These are loans that are available in both subsidized and unsubsidized forms. For the subsidized loan, federal government pays the interest while a student is in school, during grace periods, and deferment periods. Unsubsidized loans on the other hand make the student responsible for paying interest during the mentioned periods. If the interest of the Stafford loan isn’t paid while a student was in school,...

...Corporation ( PTPTN ) was set up to helping student pays their studies fees below the National Higher Education Fund Act 1997 ( Act 566 ) and is enforce from 1st July 1997. In 1st November 1997, PTPTN operating at Bangunan Wisma Chase Perdana, Off Jalan Semantan, Damansara Height, Kuala Lumpur.
Student should knew the role of The National Higher Education Fund Corporation ( PTPTN ) loan, they should implement the obligations to return the loan corporations and how to manage it. The role of The National Higher Education Fund Corporation (PTPTN) that students should knew is to ensure that qualified students continue their studies to a higher level is not a reason not to proceed with the financial problems of study. But a lot of students had taken advantages with the money from PTPTNloan.
PTPTNloan is so helpful for the students to ease the burden of their family who is mostly not from a well-off family. Basically, most of the applicants of the PTPTNloan come from the person who are coming from rural areas and normally their yearly earning just fine to support their basic necessities of life. So, parents have to find another alternative to make their children’s dream come into reality especially when it is related to...

...Portfolio Paper: StudentLoan Debt and Forgiveness
Justin Puckett
5/17/2012
Public Administration: PMG300
Colorado State University Global Campus
When it comes to achieving success in the work force and finding a fulfilling and lucrative career there are few things more important that higher education. Going to college and getting a degree is essential in finding success in the work force. The problem is when the cost of gaining that degree outweighs the financial compensation the career that follows is able to supply. Very few people are able to pay for college out of pocket. The result of this is that students seeking higher education are forced to take out massive studentloans. This means that they are entering the work force after college already thousands of dollars in debt and under water.
Outstanding studentloan debt topped $1 trillion dollars last year. (Block) This figure is now exceeding the total amount of credit card debt in the U.S. Thousands of borrowers are now forced to postpone important life events such as getting married, buying a home or having children until their debts are paid off. Defaults on loans are rising, which typically leads to larger loan balances. This problem is not limited to young adults. Many studentloan borrowers are older adults who went back to school to finish or gain a...

...﻿StudentLoan Case
1) Summarize the studentloan industry. Answer with respect to both public and private loans and be clear as to which you are referring to.
a) What led to the inception of the studentloan market?
The inception of the studentloan market started like any other loan market, there were a large amount of borrowers who needed money now to invest in college to make more later that were matched with lenders who had excess funds and wanted return on the funds. The National Defense Education Act of 1958 which provided loans to students in higher education institutions started the studentloan market. This was supposed to help train students to get jobs that will help them succeed and in turn help our nation succeed.
b) What major changes have occurred over the years?
The biggest changes in the loan industry have been the recent dramatic increase in enrollment at colleges. An alarming trend in the last twenty years is that appropriations to universities per full time student are going down while public four year tuition and fees are increasing. Total outstanding studentloan debt, number of student borrowers and average debt per borrower has been steadily increasing over the last...

...﻿Brittany Woods
Dr. Montgomery
English Composition 2
May 1, 2014
StudentLoan Debt
Going to college has been taught to be the next step in education after graduating high school but is it truly that easy? The main factor to attending college now is the money issue. In today’s generation receiving a scholarship would be the best way to get through college without the burden of studentloan debt piling up as you get further into college. Even though financial aid is available for students seeking college education, some of those students will not all qualify for financial aid. With them not being able to qualify, it leaves taking out studentloans to afford those college expenses. By them having no other option but to take out studentloans, it is the start to a long road of studentloan debt issues.
Majority of studentloans today are through the popular loan company Sallie Mae. In 1972, Sallie Mae was founded as a private company for loans but since late 2004, it generally became a publicly traded company. The biggest challenge with studentloans is finding one that offers the lowest interest rate. Rising interest rates may make obtaining and paying off studentloans more burdensome,...